Is a Market Crash Coming? How to Invest at All-Time Highs (Japan)

The US and Japanese stock markets are near all-time highs. Gold and Bitcoin are soaring. It feels like a bubble, and many are worried about an AI-driven crash. So, what should you do in November 2025? Sell? Rebalance? Or just keep buying?

In this video, I explain why "what you should do" depends entirely on where you are in your financial journey. I break down a 4-stage plan for investing in Japan, whether you're just getting started (Stage 0), you're in the accumulation phase (Stage 1), you've reached financial independence (Stage 2), or you're already drawing down on your portfolio (Stage 3).

We'll cover how to get started with a NISA or iDeCo account, why a market crash can be fantastic news for most investors, and when you might want to think about de-risking into cash or bonds.

Disclaimer: This is not financial advice. This video is for educational and entertainment purposes only. Please do your own research and consult with a professional.

0:00 - Everything is at All-Time Highs (Intro)
0:43 - The Truth: No One Knows What Will Happen
1:00 - Scenario 1: A Market Crash or Correction
1:35 - Scenario 2: Continued Growth
2:00 - Scenario 3: Slowdown / Stagnation
2:18 - What to Do Depends on Your Financial Stage
2:36 - Stage 0: You Haven't Started Investing Yet
2:58 - How to Get Started in Japan (NISA, iDeCo, Brokers)
4:14 - Stage 1: The Accumulation Stage
4:53 - Why a Crash is GOOD for Stage 1
5:13 - Stage 2: Financial Independence (Not Spending Yet)
5:55 - When to De-Risk in Stage 2
6:28 - Stage 3: Drawing Down (Living on Investments)
7:38 - Who Should (and Shouldn't) Make Changes
7:53 - My Personal Strategy (Stage 2.5)
8:27 - What Are You Doing?